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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,886 | $65,364-87.9% | $92,909-91.5% | $72,975-89.2% |
| Participation rate | 62.5% | 68.3%-5.8pp | 76.0%-13.5pp | 69.5%-7.0pp |
| Annual return | 28.76% | 42.11%-13.3pp | 109.44%-80.7pp | 81.01%-52.3pp |
| Employer contribution / active EE | $1,628 | $2,594-37.3% | $3,653-55.4% | $2,440-33.3% |
| Participant deferral / active EE | $1,895 | $3,128-39.4% | $4,238-55.3% | $3,608-47.5% |
| Admin fee / account holder | $384 | $4,251-91.0% | $5,795-93.4% | $5,124-92.5% |